When borrowing money from Ant Jiebei, we use a sampling survey method to check your credit. If your credit status is not good, you will have a greater chance of being caught if you do not repay on time, so when you borrow money, it is They may not check your credit report.

However, after successful borrowing and repayment, the credit report will be submitted. Borrowing is done only once. However, as long as you repay on time, this will have no impact on your personal credit.

“Jiebei”, now known as Credit Loan, is a loan service launched by Alipay. According to different Zhima scores, users can apply for different loan amounts. The maximum repayment period for Borrowing is 12 months, and the daily loan interest rate is 0.045. You can repay as you borrow.

According to news on November 8, 2021, it is reported that the name of Alipay’s “Jiebei” has been changed to “Credit Loan”.

In response, Alipay customer service said that in order to facilitate you to have a clearer understanding of the actual consumer credit service provider, the consumer credit services independently provided to you by financial institutions that cooperate with Ant have been updated to "credit loans" , and display the name of the financial institution on the credit loan page. After this adjustment, the original borrowing, accounting, repayment and other services will not be affected.

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Currently, the consumer loans launched by e-commerce giants are mainly for installments in the consumption scenario of the e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also gradually being launched. Launched. The following is the practical experience of increasing the amount:

1. Deposit 15,000 Yu'ebao or Zhaocaibao (regular), and you can basically withdraw it after 10 days, usually on the 1st to 10th;

2. Download the MYbank app on your mobile phone, and then deposit money into Yulibao. If you deposit 10,000 yuan a month, you can basically lend out a consumer loan of 10,000 yuan from MYbank;

Things to note when opening the MYbank loan :

First, the Zhima credit score in Alipay is the primary condition that affects the activation of Jiebei. As long as your Zhima credit score reaches 600 points, you have the right to apply for it.

Secondly. There is a close relationship between the activation of Jiebei and the user's activity in using Alipay. If you want to open Jiebei, the activity of Alipay is also an important condition. If the activity is not enough, it will be more difficult to open Jiebei.

Third, the user's default situation when using Alipay is an important factor that affects the opening of Jiebei. We have overdrafted the Huabei limit before and failed to repay the loan after the due date. Then Alipay's credit score will decrease, which will not only affect you. Alipay's withdrawal limit also seriously affects the opening of Jiebei.

Fourth, the user's repayment ability is the most important condition. Alipay will also consider the user's repayment ability. Based on personal information and personal occupation, we will determine whether we can open the loan.